Electronic system for initiating resource distributions from a first source retainer with a token associated with a second source retainer

ABSTRACT

Systems, computer program products, and methods are described herein for initiating resource distributions from a first source retainer with a token associated with a second source retainer. The present invention may be configured to receive instructions to link a token associated with a first resource distribution instrument to a second resource distribution instrument, where the first resource distribution instrument and the second resource distribution instrument are associated with different types of source retainers and map, based on receiving the instructions, the token to the second resource distribution instrument. The present invention may be configured to receive signals from a user device comprising information identifying the token, determine, based on receiving the signals, whether the token is mapped to the second resource distribution instrument, and initiate, based on determining that the token is mapped to the second resource distribution instrument, an interaction associated with the second resource distribution instrument.

FIELD OF THE INVENTION

The present invention embraces an electronic system for initiatingresource distributions from a first source retainer with a tokenassociated with a second source retainer.

BACKGROUND

A user may store, on a user device, a token associated with a resourcedistribution instrument and initiate, with the user device, resourcedistributions by wirelessly transmitting signals, based on the token,from the user device to another system (e.g., a point-of-sale systemand/or the like). The user may store multiple tokens associated withdifferent resource distribution instruments on the user device, and maydesignate one of the resource distribution instruments as a standardsetting such that a token associated with the designated resourcedistribution instrument is presented when the user wirelessly initiatesa resource distribution.

SUMMARY

The following presents a simplified summary of one or more embodimentsof the present invention, in order to provide a basic understanding ofsuch embodiments. This summary is not an extensive overview of allcontemplated embodiments and is intended to neither identify key orcritical elements of all embodiments nor delineate the scope of any orall embodiments. This summary presents some concepts of one or moreembodiments of the present invention in a simplified form as a preludeto the more detailed description that is presented later.

In one aspect, the present invention embraces a system for initiatingresource distributions. The system may include at least onenon-transitory storage device and at least one processing device coupledto the at least one non-transitory storage device, where the at leastone processing device may be configured to receive instructions to linka token associated with a first resource distribution instrument to asecond resource distribution instrument, where the first resourcedistribution instrument and the second resource distribution instrumentare associated with different types of source retainers and map, basedon receiving the instructions, the token to the second resourcedistribution instrument. The at least one processing device may beconfigured to receive signals from a user device including informationidentifying the token, determine, based on receiving the signals,whether the token is mapped to the second resource distributioninstrument, and initiate, based on determining that the token is mappedto the second resource distribution instrument, an interactionassociated with the second resource distribution instrument.

In some embodiments, the at least one processing device may beconfigured to, when receiving the instructions to link the tokenassociated with the first resource distribution instrument to the secondresource distribution instrument, receive the instructions from anapplication running on the user device.

In some embodiments, the first resource distribution instrument may be acredit card, and the second resource distribution instrument may be adebit card.

In some embodiments, the token may be stored in a digital wallet of theuser device.

In some embodiments, the at least one processing device may beconfigured to receive signals including dynamic information associatedwith the first resource distribution instrument, determine whether thedynamic information is valid, and, when initiating the interactionassociated with the second resource distribution instrument, initiatethe interaction associated with the second resource distributioninstrument based on determining that the dynamic information is valid.

In some embodiments, the at least one processing device may beconfigured to, when initiating the interaction associated with thesecond resource distribution instrument, prompt a user associated withthe user device to enter authentication credentials.

In some embodiments, the at least one processing device may beconfigured to receive the signals from the user device at an automatedteller machine and initiate the interaction at the automated tellermachine.

In some embodiments, the at least one processing device may beconfigured to, when receiving the signals from the user device,wirelessly receive the signals from the user device.

In some embodiments, the instructions may be first instructions, and theat least one processing device may be configured to receive secondinstructions to unlink the token from the second resource distributioninstrument and remove, based on receiving the second instructions, themapping of the token to the second resource distribution instrument.Additionally, or alternatively, the signals may be first signals, theinteraction may be a first interaction, and the at least one processingdevice may be configured to receive second signals including informationidentifying the token, determine, based on receiving the second signals,whether the token is mapped to the second resource distributioninstrument, and deny, based on determining that the token is not mappedto the second resource distribution instrument, a second interaction.

In some embodiments, the at least one processing device may beconfigured to, after initiating the interaction, receive inputinitiating a resource distribution from a source retainer associatedwith the second resource distribution instrument and perform theresource distribution from the source retainer associated with thesecond resource distribution instrument. Additionally, or alternatively,the at least one processing device may be configured to, when performingthe resource distribution, provide, to a user associated with the userdevice, cash.

In another aspect, the present invention embraces a computer programproduct for initiating resource distributions. The computer programproduct may include a non-transitory computer-readable medium includingcode causing a first apparatus to receive instructions to link a tokenassociated with a first resource distribution instrument to a secondresource distribution instrument, where the first resource distributioninstrument and the second resource distribution instrument areassociated with different types of source retainers and map, based onreceiving the instructions, the token to the second resourcedistribution instrument. The computer program product may include anon-transitory computer-readable medium including code causing the firstapparatus to receive signals from a user device including informationidentifying the token, determine, based on receiving the signals,whether the token is mapped to the second resource distributioninstrument, and initiate, based on determining that the token is mappedto the second resource distribution instrument, an interactionassociated with the second resource distribution instrument.

In some embodiments, the computer program product may include anon-transitory computer-readable medium including code causing the firstapparatus to, when receiving the instructions to link the tokenassociated with the first resource distribution instrument to the secondresource distribution instrument, receive the instructions from anapplication running on the user device.

In some embodiments, the first resource distribution instrument may be acredit card, and the second resource distribution instrument may be adebit card.

In some embodiments, the token may be stored in a digital wallet of theuser device.

In some embodiments, the computer program product may include anon-transitory computer-readable medium including code causing the firstapparatus to receive signals including dynamic information associatedwith the first resource distribution instrument, determine whether thedynamic information is valid, and, when initiating the interactionassociated with the second resource distribution instrument, initiatethe interaction associated with the second resource distributioninstrument based on determining that the dynamic information is valid.

In some embodiments, the computer program product may include anon-transitory computer-readable medium including code causing the firstapparatus to, when initiating the interaction associated with the secondresource distribution instrument, prompt a user associated with the userdevice to enter authentication credentials.

In some embodiments, the computer program product may include anon-transitory computer-readable medium including code causing the firstapparatus to receive the signals from the user device at an automatedteller machine and initiate the interaction at the automated tellermachine.

In some embodiments, the computer program product may include anon-transitory computer-readable medium including code causing the firstapparatus to, when receiving the signals from the user device,wirelessly receive the signals from the user device.

In some embodiments, the instructions may be first instructions, and thecomputer program product may include a non-transitory computer-readablemedium including code causing the first apparatus to receive secondinstructions to unlink the token from the second resource distributioninstrument and remove, based on receiving the second instructions, themapping of the token to the second resource distribution instrument.Additionally, or alternatively, the signals may be first signals, theinteraction may be a first interaction, and the computer program productmay include a non-transitory computer-readable medium including codecausing the first apparatus to receive second signals includinginformation identifying the token, determine, based on receiving thesecond signals, whether the token is mapped to the second resourcedistribution instrument, and deny, based on determining that the tokenis not mapped to the second resource distribution instrument, a secondinteraction.

In yet another aspect, the present invention embraces a method forinitiating resource distributions. The method may include receivinginstructions to link a token associated with a first resourcedistribution instrument to a second resource distribution instrument,where the first resource distribution instrument and the second resourcedistribution instrument are associated with different types of sourceretainers and mapping, based on receiving the instructions, the token tothe second resource distribution instrument. The method may includereceiving signals from a user device including information identifyingthe token, determining, based on receiving the signals, whether thetoken is mapped to the second resource distribution instrument, andinitiating, based on determining that the token is mapped to the secondresource distribution instrument, an interaction associated with thesecond resource distribution instrument.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichmay be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made the accompanying drawings, wherein:

FIG. 1 illustrates technical components of a system for initiatingresource distributions from a first source retainer with a tokenassociated with a second source retainer, in accordance with anembodiment of the invention;

FIG. 2 illustrates a process flow for initiating resource distributionsfrom a first source retainer with a token associated with a secondsource retainer, in accordance with an embodiment of the invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. Where possible, any terms expressed in the singularform herein are meant to also include the plural form and vice versa,unless explicitly stated otherwise. Also, as used herein, the term “a”and/or “an” shall mean “one or more,” even though the phrase “one ormore” is also used herein. Furthermore, when it is said herein thatsomething is “based on” something else, it may be based on one or moreother things as well. In other words, unless expressly indicatedotherwise, as used herein “based on” means “based at least in part on”or “based at least partially on.” Like numbers refer to like elementsthroughout.

As noted, a user may store, on a user device, a token associated with aresource distribution instrument (e.g., an electronic payment vehicle, acredit card, a debit card, and/or the like, associated with an account)and initiate, with the user device, resource distributions (e.g.,resource transfers) by wirelessly transmitting signals, based on thetoken, from the user device to another system (e.g., a point-of-salesystem and/or the like). The user may store multiple tokens associatedwith different resource distribution instruments on the user device, andmay designate one of the resource distribution instruments as a standardsetting such that a token associated with the designated resourcedistribution instrument is presented when the user wirelessly initiatesa resource distribution. However, when a user designates a resourcedistribution instrument associated with a credit-based source retainer(e.g., a credit card account) and attempts to initiate a resourcedistribution with a system (e.g., an automated teller machine (ATM)) forconducting interactions associated with debit-based source retainers(e.g., checking accounts, deposit accounts, savings accounts, and/or thelike), the system cannot initiate an interaction based on thecredit-based token. As such, the user is required to switch, on the userdevice, the resource distribution instrument and associated token to bepresented to the system and re-attempt initiation of the interaction.Alternatively, the user may not understand why the attempt failed,repeat the failed attempt, and/or become frustrated by the failedattempt. Such failed attempts and repeated failed attempts consumesignificant resources (e.g., financial resources, computing resources,network resources, and/or the like). Furthermore, causing userfrustration may result in damage to the reputation of the entity thatmaintains the system, the loss of users as customers, and/or the like,which also consumes significant resources (e.g., financial resources,computing resources, network resources, and/or the like).

Some embodiments described herein provide a system, a computer programproduct, and/or a method for initiating resource distributions from afirst source retainer with a token associated with a second sourceretainer. For example, a system (e.g., an electronic system forinitiating resource distributions from a first source retainer with atoken associated with a second source retainer and/or the like) may beconfigured to receive instructions (e.g., via an application running ona user device, a website, a multi-channel cognitive resource platform, avirtual assistant, and/or the like) to link a credit-based tokenassociated with a credit-based resource distribution instrument to adebit-based resource distribution instrument associated with adebit-based source retainer for use at systems (e.g., ATMs) forconducting interactions associated with debit-based source retainers. Insome embodiments, the system (e.g., via an application running on a userdevice, a website, a multi-channel cognitive resource platform, and/orthe like) may present, to the user, a list of credit-based tokens in adigital wallet and receive, from the user, input identifying one of thecredit-based tokens to be linked to a debit-based resource distributioninstrument. Additionally, or alternatively, the system (e.g., via anapplication running on a user device, a website, a multi-channelcognitive resource platform, and/or the like) may present, to the user,a list of debit-based resource distribution instruments in a digitalwallet and receive, from the user, input identifying one of thedebit-based resource distribution instruments to which the identifiedcredit-based token is to be linked. In some embodiments, the system may,based on the input from the user, create a linking between thecredit-based token and the debit-based resource distribution instrument,and provide the linking to systems (e.g., ATMs) for conductinginteractions associated with debit-based source retainers for storageand future lookup.

Additionally, or alternatively, when the user presents the credit-basedtoken to a system for conducting interactions associated withdebit-based source retainers (e.g., by tapping the system with the userdevice storing the credit-based token and/or the like), the system mayverify the credit-based token and an associated cryptogram. In someembodiments, the system may lookup, based on verifying the credit-basedtoken and the associated cryptogram, the credit-based token to determineif a debit-based resource distribution instrument is linked to thecredit-based token. Additionally, or alternatively, based on determiningthat a debit-based resource distribution instrument is linked to thecredit-based token, the system may initiate a debit-based interactionwith the user based on the debit-based resource distribution instrument.For example, the system may prompt the user to enter authenticationcredentials (e.g., a personal identification number (PIN) and/or thelike), provide an authentication token (e.g., via an application runningon a user device, based on facial recognition technology, and/or thelike), and/or the like.

In some embodiments, the system may be configured to receiveinstructions (e.g., via an application running on a user device, awebsite, a multi-channel cognitive resource platform, a virtualassistant, a system, such as an ATM, for conducting interactionsassociated with debit-based source retainers, and/or the like) to removethe link between the credit-based token and the debit-based resourcedistribution instrument. In such embodiments, the system may beconfigured to provide, to systems (e.g., ATMs) for conductinginteractions associated with debit-based source retainers, instructionsto delete the link between the credit-based token and the debit-basedresource distribution instrument such that future attempts to presentthe credit-based token will be denied.

In this way, the system may permit users to initiate interactions basedon credit-based tokens. By permitting users to initiate interactionsbased on credit-based tokens, the system may conserve resources (e.g.,financial resources, computing resources, network resources, and/or thelike) that would otherwise be consumed by users switching the resourcedistribution instrument and associated token to be presented to thesystem and re-attempting initiation of the interaction and repeatedfailed attempts to initiate the interaction when the user does notunderstand why the initial attempt failed. Furthermore, by permittingusers to initiate interactions based on credit-based tokens, the systemmay prevent user frustration resulting in damage to the reputation ofthe entity that maintains the system, the loss of users as customers,and/or the like, thereby conserving additional resources (e.g.,financial resources, computing resources, network resources, and/or thelike).

As used herein, an “entity” may be any institution employing informationtechnology resources and particularly technology infrastructureconfigured for processing large amounts of data. Typically, the data maybe related to products, services, and/or the like offered and/orprovided by the entity, customers of the entity, other aspect of theoperations of the entity, people who work for the entity, and/or thelike. As such, the entity may be an institution, group, association,financial institution, establishment, company, union, authority,merchant, service provider, and/or or the like, employing informationtechnology resources for processing large amounts of data.

As used herein, a “user” may be an individual associated with an entity.As such, in some embodiments, the user may be an individual having pastrelationships, current relationships or potential future relationshipswith an entity. In some embodiments, a “user” may be an employee (e.g.,an associate, a project manager, a manager, an administrator, aninternal operations analyst, and/or the like) of the entity and/orenterprises affiliated with the entity, capable of operating systemsdescribed herein. In some embodiments, a “user” may be any individual,another entity, and/or a system who has a relationship with the entity,such as a customer, a prospective customer, and/or the like. In someembodiments, a user may be a system performing one or more tasksdescribed herein.

As used herein, a “user interface” may be any device or software thatallows a user to input information, such as commands and/or data, into adevice, and/or that allows the device to output information to the user.For example, a user interface may include an application programmerinterface (API), a graphical user interface (GUI), and/or an interfaceto input computer-executable instructions that direct a processingdevice to carry out functions. The user interface may employ inputand/or output devices to input data received from a user and/or outputdata to a user. Input devices and/or output devices may include adisplay, API, mouse, keyboard, button, touchpad, touch screen,microphone, speaker, LED, light, joystick, switch, buzzer, bell, and/orother devices for communicating with one or more users.

As used herein, a “resource” may generally refer to objects, products,devices, goods, commodities, services, offers, discounts, currency,cash, cash equivalents, rewards, reward points, benefit rewards, bonusmiles, cash back, credits, and/or the like, and/or the ability andopportunity to access and use the same. Some example implementationsherein contemplate property held by a user, including property that isstored and/or maintained by a third-party entity. In some exampleimplementations, a resource may be associated with one or more accountsor may be property that is not associated with a specific account.Examples of resources associated with accounts may be accounts that havecash or cash equivalents, commodities, and/or accounts that are fundedwith or contain property, such as safety deposit boxes containingjewelry, art or other valuables, a trust account that is funded withproperty, and/or the like.

As used herein, a “source retainer” may generally refer to an account, asystem, and/or the like associated with a user and/or a type ofresources, such as software, a checking account, a deposit account, asavings account, a credit account, a rewards account, a rewards pointsaccount, a benefit rewards account, a bonus miles account, a cash backaccount, and/or the like, which may be managed and/or maintained by anentity, such as a financial institution, an electronic resource transferinstitution (e.g., a credit card company, a debit card company, aprepaid card company, and/or the like), a credit union, and/or the like.

As used herein, a “distribution” and/or an “allocation” may refer to anytransaction, activities, and/or communication between one or moreentities, between a user and one or more entities, and/or the like. Aresource distribution and/or an allocation of resources may refer to anydistribution of resources such as, but not limited to, a payment,processing of funds, purchase of goods or services, a return of goods orservices, a payment transaction, a credit transaction, otherinteractions involving a user's resource or account, and/or the like. Inthe context of an entity such as a financial institution, a resourcedistribution and/or an allocation of resources may refer to one or moreof a sale of goods and/or services, initiating an automated tellermachine (ATM) or online financial session, an account balance inquiry, arewards transfer, an account money transfer or withdrawal, opening afinancial application on a user's computer or mobile device, a useraccessing their e-wallet, any other interaction involving the userand/or the user's device that invokes and/or is detectable by thefinancial institution, and/or the like. In some embodiments, the usermay authorize a resource distribution and/or an allocation of resourcesusing a resource distribution instrument (e.g., credit cards, debitcards, checks, digital wallets, currency, loyalty points, and/or thelike) and/or resource distribution credentials (e.g., account numbers,resource distribution instrument identifiers, and/or the like). Aresource distribution and/or an allocation of resources may include oneor more of the following: renting, selling, and/or leasing goods and/orservices (e.g., groceries, stamps, tickets, DVDs, vending machine items,and/or the like); making payments to creditors (e.g., paying monthlybills; paying federal, state, and/or local taxes, and/or the like);sending remittances; loading money onto stored value cards (SVCs) and/orprepaid cards; donating to charities; and/or the like. Unlessspecifically limited by the context, a “resource distribution,” an“allocation of resources,” a “resource transfer,” a “transaction,” a“transaction event,” and/or a “point of transaction event” may refer toany activity between a user, a merchant, an entity, and/or the like. Insome embodiments, a resource distribution and/or an allocation ofresources may refer to financial transactions involving direct orindirect movement of funds through traditional paper transactionprocessing systems (e.g., paper check processing) or through electronictransaction processing systems. In this regard, resource distributionsand/or allocations of resources may refer to the user initiating apurchase for a product, service, or the like from a merchant. Typicalfinancial resource distribution and/or financial allocations ofresources include point of sale (POS) transactions, automated tellermachine (ATM) transactions, person-to-person (P2P) transfers, internettransactions, online shopping, electronic funds transfers betweenaccounts, transactions with a financial institution teller, personalchecks, conducting purchases using loyalty/rewards points, and/or thelike. When describing that resource transfers or transactions areevaluated, such descriptions may mean that the transaction has alreadyoccurred, is in the process of occurring or being processed, or has yetto be processed/posted by one or more financial institutions.

As used herein, “resource distribution instrument” may refer to anelectronic payment vehicle, such as a credit card, a debit card, and/orthe like, associated with a source retainer (e.g., a checking account, adeposit account, a savings account, a credit account, and/or the like).In some embodiments, the resource distribution instrument may not be a“card” and may instead be account identifying information storedelectronically in a user device, such as payment credentials and/ortokens and/or aliases associated with a digital wallet, accountidentifiers stored by a mobile application, and/or the like.

In some embodiments, the term “module” with respect to an apparatus mayrefer to a hardware component of the apparatus, a software component ofthe apparatus, and/or a component of the apparatus that includes bothhardware and software. In some embodiments, the term “chip” may refer toan integrated circuit, a microprocessor, a system-on-a-chip, amicrocontroller, and/or the like that may either be integrated into theexternal apparatus, may be inserted and/or removed from the externalapparatus by a user, and/or the like.

As used herein, an “engine” may refer to core elements of a computerprogram, part of a computer program that serves as a foundation for alarger piece of software and drives the functionality of the software,and/or the like. An engine may be self-contained but may includeexternally controllable code that encapsulates powerful logic designedto perform or execute a specific type of function. In one aspect, anengine may be underlying source code that establishes file hierarchy,input and/or output methods, how a part of a computer program interactsand/or communicates with other software and/or hardware, and/or thelike. The components of an engine may vary based on the needs of thecomputer program as part of the larger piece of software. In someembodiments, an engine may be configured to retrieve resources createdin other computer programs, which may then be ported into the engine foruse during specific operational aspects of the engine. An engine may beconfigurable to be implemented within any general-purpose computingsystem. In doing so, the engine may be configured to execute source codeembedded therein to control specific features of the general-purposecomputing system to execute specific computing operations, therebytransforming the general-purpose system into a specific purposecomputing system.

As used herein, a “component” of an application may include a softwarepackage, a service, a resource, a module, and/or the like that includesa set of related functions and/or data. In some embodiments, a componentmay provide a source capability (e.g., a function, a business function,and/or the like) to an application including the component. In someembodiments, components of an application may communicate with eachother via interfaces and may provide information to each otherindicative of the services and/or functions that other components mayutilize and/or how other components may utilize the services and/orfunctions. Additionally, or alternatively, components of an applicationmay be substitutable such that a component may replace anothercomponent. In some embodiments, components may include objects,collections of objects, and/or the like.

As used herein, “authentication credentials” may be any information thatmay be used to identify a user. For example, a system may prompt a userto enter authentication information such as a username, a password, atoken, a personal identification number (PIN), a passcode, biometricinformation (e.g., voice authentication, a fingerprint, facialrecognition, and/or a retina scan), an answer to a security question, aunique intrinsic user activity, such as making a predefined motion witha user device, and/or the like. The authentication information may beused to authenticate the identity of the user (e.g., determine that theauthentication information is associated with an account) and/ordetermine that the user has authority to access an account or system. Insome embodiments, the system may be owned and/or operated by an entity.In such embodiments, the entity may employ additional computer systems,such as authentication servers, to validate and certify resourcesinputted by a plurality of users within the system. The system mayfurther use authentication servers to certify the identity of users ofthe system, such that other users may verify the identity of thecertified users. In some embodiments, the entity may certify theidentity of the users. Furthermore, authentication information and/orpermission may be assigned to and/or required from a user, application,computing node, computing cluster, and/or the like to access stored datawithin at least a portion of the system.

As used herein, an “interaction” may refer to any communication betweenone or more users, one or more entities or institutions, and/or one ormore devices, nodes, clusters, and/or systems within the systemenvironment described herein. For example, an interaction may refer to atransfer of data between devices, an accessing of stored data by one ormore nodes of a computing cluster, a transmission of a requested task,and/or the like. In some embodiments, an interaction may refer to anentity, a user, a system, and/or a device providing an advertisement,information, data, a user interface, and/or the like to another entity,another user, another system, and/or another device.

FIG. 1 presents an exemplary block diagram of a system environment 100for initiating resource distributions from a first source retainer witha token associated with a second source retainer within a technicalenvironment, in accordance with an embodiment of the invention. FIG. 1provides a system environment 100 that includes specialized servers anda system communicably linked across a distributive network of nodesrequired to perform functions of process flows described herein inaccordance with embodiments of the present invention.

As illustrated, the system environment 100 includes a network 110, asystem 130, and a user input system 140. Also shown in FIG. 1 is a userof the user input system 140. The user input system 140 may be a mobiledevice, a non-mobile computing device, and/or the like. The user may bea person who uses the user input system 140 to access, view modify,interact with, and/or the like information, data, images, video, and/orthe like. The user may be a person who uses the user input system 140 toinitiate, perform, monitor, and/or the like changes and/or modificationsto one or more systems, applications, services, and/or the like. The oneor more systems, applications, services, and/or the like may beconfigured to communicate with the system 130, input information onto auser interface presented on the user input system 140, and/or the like.The applications stored on the user input system 140 and the system 130may incorporate one or more parts of any process flow described herein.

As shown in FIG. 1, the system 130 and the user input system 140 areeach operatively and selectively connected to the network 110, which mayinclude one or more separate networks. In some embodiments, the network110 may include a telecommunication network, local area network (LAN), awide area network (WAN), and/or a global area network (GAN), such as theInternet. Additionally, or alternatively, the network 110 may be secureand/or unsecure and may also include wireless and/or wired and/oroptical interconnection technology.

In some embodiments, the system 130 and the user input system 140 may beused to implement processes described herein, including user-side andserver-side processes for initiating resource distributions from a firstsource retainer with a token associated with a second source retainer,in accordance with an embodiment of the present invention. The system130 may represent various forms of digital computers, such as laptops,desktops, workstations, personal digital assistants, servers, bladeservers, mainframes, and/or the like. The user input system 140 mayrepresent various forms of mobile devices, such as personal digitalassistants, cellular telephones, smartphones, smart glasses, and/or thelike. The components shown here, their connections, their relationships,and/or their functions, are meant to be exemplary only, and are notmeant to limit implementations of the inventions described and/orclaimed in this document.

In some embodiments, the system 130 may include a processor 102, memory104, a storage device 106, a high-speed interface 108 connecting tomemory 104, high-speed expansion ports 111, and a low-speed interface112 connecting to low-speed bus 114 and storage device 106. Each of thecomponents 102, 104, 106, 108, 111, and 112 may be interconnected usingvarious buses, and may be mounted on a common motherboard or in othermanners as appropriate. The processor 102 may process instructions forexecution within the system 130, including instructions stored in thememory 104 and/or on the storage device 106 to display graphicalinformation for a GUI on an external input/output device, such as adisplay 116 coupled to a high-speed interface 108. In some embodiments,multiple processors, multiple buses, multiple memories, multiple typesof memory, and/or the like may be used. Also, multiple systems, same orsimilar to system 130 may be connected, with each system providingportions of the necessary operations (e.g., as a server bank, a group ofblade servers, a multi-processor system, and/or the like). In someembodiments, the system 130 may be managed by an entity, such as abusiness, a merchant, a financial institution, a card managementinstitution, a software and/or hardware development company, a softwareand/or hardware testing company, and/or the like. The system 130 may belocated at a facility associated with the entity and/or remotely fromthe facility associated with the entity.

The memory 104 may store information within the system 130. In oneimplementation, the memory 104 may be a volatile memory unit or units,such as volatile random-access memory (RAM) having a cache area for thetemporary storage of information. In another implementation, the memory104 may be a non-volatile memory unit or units. The memory 104 may alsobe another form of computer-readable medium, such as a magnetic oroptical disk, which may be embedded and/or may be removable. Thenon-volatile memory may additionally or alternatively include an EEPROM,flash memory, and/or the like. The memory 104 may store any one or moreof pieces of information and data used by the system in which it residesto implement the functions of that system. In this regard, the systemmay dynamically utilize the volatile memory over the non-volatile memoryby storing multiple pieces of information in the volatile memory,thereby reducing the load on the system and increasing the processingspeed.

The storage device 106 may be capable of providing mass storage for thesystem 130. In one aspect, the storage device 106 may be or contain acomputer-readable medium, such as a floppy disk device, a hard diskdevice, an optical disk device, a tape device, a flash memory and/orother similar solid state memory device, and/or an array of devices,including devices in a storage area network or other configurations. Acomputer program product may be tangibly embodied in an informationcarrier. The computer program product may also contain instructionsthat, when executed, perform one or more methods, such as thosedescribed herein. The information carrier may be a non-transitorycomputer-readable or machine-readable storage medium, such as the memory104, the storage device 106, and/or memory on processor 102.

In some embodiments, the system 130 may be configured to access, via thenetwork 110, a number of other computing devices (not shown). In thisregard, the system 130 may be configured to access one or more storagedevices and/or one or more memory devices associated with each of theother computing devices. In this way, the system 130 may implementdynamic allocation and de-allocation of local memory resources amongmultiple computing devices in a parallel and/or distributed system.Given a group of computing devices and a collection of interconnectedlocal memory devices, the fragmentation of memory resources is renderedirrelevant by configuring the system 130 to dynamically allocate memorybased on availability of memory either locally, or in any of the othercomputing devices accessible via the network. In effect, the memory mayappear to be allocated from a central pool of memory, even though thememory space may be distributed throughout the system. Such a method ofdynamically allocating memory provides increased flexibility when thedata size changes during the lifetime of an application and allowsmemory reuse for better utilization of the memory resources when thedata sizes are large.

The high-speed interface 108 may manage bandwidth-intensive operationsfor the system 130, while the low-speed interface 112 and/or controllermanages lower bandwidth-intensive operations. Such allocation offunctions is exemplary only. In some embodiments, the high-speedinterface 108 is coupled to memory 104, display 116 (e.g., through agraphics processor or accelerator), and to high-speed expansion ports111, which may accept various expansion cards (not shown). In someembodiments, low-speed interface 112 and/or controller is coupled tostorage device 106 and low-speed bus 114 (e.g., expansion port). Thelow-speed bus 114, which may include various communication ports (e.g.,USB, Bluetooth, Ethernet, wireless Ethernet), may be coupled to one ormore input/output devices, such as a keyboard, a pointing device, ascanner, and/or a networking device such as a switch or router (e.g.,through a network adapter).

The system 130 may be implemented in a number of different forms, asshown in FIG. 1. For example, it may be implemented as a standard serveror multiple times in a group of such servers. Additionally, oralternatively, the system 130 may be implemented as part of a rackserver system, a personal computer, such as a laptop computer, and/orthe like. Alternatively, components from system 130 may be combined withone or more other same or similar systems and the user input system 140may be made up of multiple computing devices communicating with eachother.

FIG. 1 also illustrates a user input system 140, in accordance with anembodiment of the invention. The user input system 140 may include aprocessor 152, memory 154, an input/output device such as a display 156,a communication interface 158, and a transceiver 160, among othercomponents, such as one or more image sensors. The user input system 140may also be provided with a storage device, such as a microdrive and/orthe like, to provide additional storage. Each of the components 152,154, 158, and 160, may be interconnected using various buses, andseveral of the components may be mounted on a common motherboard or inother manners as appropriate.

The processor 152 may be configured to execute instructions within theuser input system 140, including instructions stored in the memory 154.The processor 152 may be implemented as a chipset of chips that includeseparate and multiple analog and/or digital processors. The processor152 may be configured to provide, for example, for coordination of theother components of the user input system 140, such as control of userinterfaces, applications run by user input system 140, and/or wirelesscommunication by user input system 140.

The processor 152 may be configured to communicate with the user throughcontrol interface 164 and display interface 166 coupled to a display156. The display 156 may be, for example, a Thin-Film-Transistor LiquidCrystal Display (TFT LCD) or an Organic Light Emitting Diode (OLED)display, and/or other appropriate display technology. An interface ofthe display 156 may include appropriate circuitry and may be configuredfor driving the display 156 to present graphical and other informationto a user. The control interface 164 may receive commands from a userand convert them for submission to the processor 152. In addition, anexternal interface 168 may be provided in communication with processor152 to enable near area communication of user input system 140 withother devices. External interface 168 may provide, for example, forwired communication in some implementations, or for wirelesscommunication in other implementations, and multiple interfaces may alsobe used.

The memory 154 may store information within the user input system 140.The memory 154 may be implemented as one or more of a computer-readablemedium or media, a volatile memory unit or units, or a non-volatilememory unit or units. Expansion memory may also be provided andconnected to user input system 140 through an expansion interface (notshown), which may include, for example, a Single In Line Memory Module(SIMM) card interface. Such expansion memory may provide extra storagespace for user input system 140 and/or may store applications and/orother information therein. In some embodiments, expansion memory mayinclude instructions to carry out or supplement the processes describedabove and/or may include secure information. For example, expansionmemory may be provided as a security module for user input system 140and may be programmed with instructions that permit secure use of userinput system 140. Additionally, or alternatively, secure applicationsmay be provided via the SIMM cards, along with additional information,such as placing identifying information on the SIMM card in a securemanner. In some embodiments, the user may use applications to executeprocesses described with respect to the process flows described herein.For example, one or more applications may execute the process flowsdescribed herein. In some embodiments, one or more applications storedin the system 130 and/or the user input system 140 may interact with oneanother and may be configured to implement any one or more portions ofthe various user interfaces and/or process flow described herein.

The memory 154 may include, for example, flash memory and/or NVRAMmemory. In some embodiments, a computer program product may be tangiblyembodied in an information carrier. The computer program product maycontain instructions that, when executed, perform one or more methods,such as those described herein. The information carrier may be acomputer-readable or machine-readable medium, such as the memory 154,expansion memory, memory on processor 152, and/or a propagated signalthat may be received, for example, over transceiver 160 and/or externalinterface 168.

In some embodiments, the user may use the user input system 140 totransmit and/or receive information and/or commands to and/or from thesystem 130. In this regard, the system 130 may be configured toestablish a communication link with the user input system 140, wherebythe communication link establishes a data channel (wired and/orwireless) to facilitate the transfer of data between the user inputsystem 140 and the system 130. In doing so, the system 130 may beconfigured to access one or more aspects of the user input system 140,such as, a GPS device, an image capturing component (e.g., camera), amicrophone, a speaker, and/or the like.

The user input system 140 may communicate with the system 130 (and oneor more other devices) wirelessly through communication interface 158,which may include digital signal processing circuitry. Communicationinterface 158 may provide for communications under various modes orprotocols, such as GSM voice calls, SMS, EMS, or MMS messaging, CDMA,TDMA, PDC, WCDMA, CDMA2000, GPRS, and/or the like. Such communicationmay occur, for example, through transceiver 160. Additionally, oralternatively, short-range communication may occur, such as using aBluetooth, Wi-Fi, and/or other such transceiver (not shown).Additionally, or alternatively, a Global Positioning System (GPS)receiver module 170 may provide additional navigation-related and/orlocation-related wireless data to user input system 140, which may beused as appropriate by applications running thereon, and in someembodiments, one or more applications operating on the system 130.

The user input system 140 may also communicate audibly using audio codec162, which may receive spoken information from a user and convert it tousable digital information. Audio codec 162 may likewise generateaudible sound for a user, such as through a speaker (e.g., in a handset)of user input system 140. Such sound may include sound from voicetelephone calls, may include recorded sound (e.g., voice messages, musicfiles, and/or the like) and may also include sound generated by one ormore applications operating on the user input system 140, and in someembodiments, one or more applications operating on the system 130.

Various implementations of the systems and techniques described here maybe realized in digital electronic circuitry, integrated circuitry,specially designed ASICs (application specific integrated circuits),computer hardware, firmware, software, and/or combinations thereof. Suchvarious implementations may include implementation in one or morecomputer programs that are executable and/or interpretable on aprogrammable system including at least one programmable processor, whichmay be special or general purpose, coupled to receive data andinstructions from, and to transmit data and instructions to, a storagesystem, at least one input device, and/or at least one output device.

Computer programs (e.g., also referred to as programs, software,applications, code, and/or the like) may include machine instructionsfor a programmable processor, and may be implemented in a high-levelprocedural and/or object-oriented programming language, and/or inassembly/machine language. As used herein, the terms “machine-readablemedium” and/or “computer-readable medium” may refer to any computerprogram product, apparatus and/or device (e.g., magnetic discs, opticaldisks, memory, Programmable Logic Devices (PLDs), and/or the like) usedto provide machine instructions and/or data to a programmable processor,including a machine-readable medium that receives machine instructionsas a machine-readable signal. The term “machine-readable signal” mayrefer to any signal used to provide machine instructions and/or data toa programmable processor.

To provide for interaction with a user, the systems and/or techniquesdescribed herein may be implemented on a computer having a displaydevice (e.g., a CRT (cathode ray tube), an LCD (liquid crystal display)monitor, and/or the like) for displaying information to the user, akeyboard by which the user may provide input to the computer, and/or apointing device (e.g., a mouse or a trackball) by which the user mayprovide input to the computer. Other kinds of devices may be used toprovide for interaction with a user as well. For example, feedbackprovided to the user may be any form of sensory feedback (e.g., visualfeedback, auditory feedback, and/or tactile feedback). Additionally, oralternatively, input from the user may be received in any form,including acoustic, speech, and/or tactile input.

The systems and techniques described herein may be implemented in acomputing system that includes a back end component (e.g., as a dataserver), that includes a middleware component (e.g., an applicationserver), that includes a front end component (e.g., a client computerhaving a graphical user interface or a Web browser through which a usermay interact with an implementation of the systems and techniquesdescribed here), and/or any combination of such back end, middleware,and/or front end components. Components of the system may beinterconnected by any form or medium of digital data communication(e.g., a communication network). Examples of communication networksinclude a local area network (“LAN”), a wide area network (“WAN”),and/or the Internet.

In some embodiments, computing systems may include clients and servers.A client and server may generally be remote from each other andtypically interact through a communication network. The relationship ofclient and server may arise by virtue of computer programs running onthe respective computers and having a client-server relationship to eachother.

The embodiment of the system environment 100 illustrated in FIG. 1 isexemplary and other embodiments may vary. As another example, in someembodiments, the system 130 includes more, less, or differentcomponents. As another example, in some embodiments, some or all of theportions of the system environment 100, the system 130, and/or the userinput system 140 may be combined into a single portion. Likewise, insome embodiments, some or all of the portions of the system environment100, the system 130, and/or the user input system 140 may be separatedinto two or more distinct portions.

In some embodiments, the system environment may 100 include one or moreuser input systems and/or one or more privileged access managementsystems (e.g., similar to the system 130 and/or the user input system140) associated with an entity (e.g., a business, a merchant, afinancial institution, a card management institution, an software and/orhardware development company, a software and/or hardware testingcompany, and/or the like). For example, a user (e.g., an employee, acustomer, and/or the like) may use a user input system (e.g., similar tothe user input system 140) to initiate a change and/or a modification toone or more of the systems, applications, services, and/or the like(e.g., similar to the system 130, running a system similar to the system130, and/or the like). In some embodiments, the user input system and/orthe privileged access management system associated with the entity mayperform one or more of the steps described herein with respect to theprocess flow described herein with respect to FIG. 2.

FIG. 2 illustrates a process flow 200 for initiating resourcedistributions from a first source retainer with a token associated witha second source retainer within a technical environment, in accordancewith an embodiment of the invention. In some embodiments, a resourcedistribution management system, a system for conducting interactionsassociated with a debit-based source retainer, and/or the like (e.g.,similar to one or more of the systems described herein with respect toFIG. 1) may perform one or more of the steps of process flow 200.

As shown in block 202, the process flow 200 may include receivinginstructions to link a token associated with a first resourcedistribution instrument to a second resource distribution instrument,where the first resource distribution instrument and the second resourcedistribution instrument are associated with different types of sourceretainers. For example, a resource distribution management system mayreceive instructions to link a token associated with a first resourcedistribution instrument to a second resource distribution instrument. Insome embodiments, the first resource distribution instrument and thesecond resource distribution instrument may be associated with differenttypes of source retainers.

As shown in block 204, the process flow 200 may include mapping, basedon receiving the instructions, the token to the second resourcedistribution instrument. For example, a resource distribution managementsystem may map, based on receiving the instructions, the token to thesecond resource distribution instrument. In some embodiments, theresource distribution management system may provide (e.g., transmitand/or the like), to a system for conducting interactions associatedwith debit-based source retainers, the mapping of the token to thesecond resource distribution instrument. Additionally, or alternatively,the system for conducting interactions associated with debit-basedsource retainers may receive the mapping of the token to the secondresource distribution instrument and store the mapping of the token tothe second resource distribution instrument (e.g., in a data structureand/or the like).

As shown in block 206, the process flow 200 may include receivingsignals from a user device including information identifying the token.For example, a system for conducting interactions associated withdebit-based source retainers may receive signals from a user deviceincluding information identifying the token.

As shown in block 208, the process flow 200 may include determining,based on receiving the signals, whether the token is mapped to thesecond resource distribution instrument. For example, a system forconducting interactions associated with debit-based source retainers maydetermine, based on receiving the signals, whether the token is mappedto the second resource distribution instrument. In some embodiments, thesystem for conducting interactions associated with debit-based sourceretainers may determine whether the token is mapped to the secondresource distribution instrument based on data in a data structure forstoring mappings, links, associations, and/or the like between resourcedistribution instruments. Additionally, or alternatively, the system forconducting interactions associated with debit-based source retainers maydetermine whether the token is mapped to the second resourcedistribution instrument based on information identifying the token(e.g., in the received signals and/or the like).

As shown in block 210, the process flow 200 may include initiating,based on determining that the token is mapped to the second resourcedistribution instrument, an interaction associated with the secondresource distribution instrument. For example, a system for conductinginteractions associated with debit-based source retainers may initiate,based on determining that the token is mapped to the second resourcedistribution instrument, an interaction associated with the secondresource distribution instrument.

Process flow 200 may include additional embodiments, such as any singleembodiment or any combination of embodiments described below and/or inconnection with one or more other processes described elsewhere herein.

In a first embodiment, the process flow 200 may include, when receivingthe instructions to link the token associated with the first resourcedistribution instrument to the second resource distribution instrument,receive the instructions from an application running on the user device.

In a second embodiment alone or in combination with the firstembodiment, the first resource distribution instrument may be a creditcard, and the second resource distribution instrument may be a debitcard.

In a third embodiment alone or in combination with any of the firstthrough second embodiments, the token may be stored in a digital walletof the user device.

In a fourth embodiment alone or in combination with any of the firstthrough third embodiments, the process flow 200 may include receivingsignals including dynamic information (e.g., a cryptogram, a dynamicCVV, and/or the like) associated with the first resource distributioninstrument, determining whether the dynamic information is valid, and,when initiating the interaction associated with the second resourcedistribution instrument, initiating the interaction associated with thesecond resource distribution instrument based on determining that thedynamic information is valid.

In a fifth embodiment alone or in combination with any of the firstthrough fourth embodiments, the process flow 200 may include, wheninitiating the interaction associated with the second resourcedistribution instrument, prompting a user associated with the userdevice to enter authentication credentials.

In a sixth embodiment alone or in combination with any of the firstthrough fifth embodiments, the process flow 200 may include receivingthe signals from the user device at an automated teller machine andinitiating the interaction at the automated teller machine.

In a seventh embodiment alone or in combination with any of the firstthrough sixth embodiments, the process flow 200 may include, whenreceiving the signals from the user device, wirelessly receiving thesignals from the user device.

In an eighth embodiment alone or in combination with any of the firstthrough seventh embodiments, the instructions may be first instructions,and the process flow 200 may include, receiving second instructions tounlink the token from the second resource distribution instrument andremoving, based on receiving the second instructions, the mapping of thetoken to the second resource distribution instrument (e.g., deleting themapping of the token to the second resource distribution instrument froma data structure and/or the like).

In a ninth embodiment alone or in combination with any of the firstthrough eighth embodiments, the signals may be first signals, theinteraction may be a first interaction, and the process flow 200 mayinclude receiving second signals including information identifying thetoken, determining, based on receiving the second signals, whether thetoken is mapped to the second resource distribution instrument, anddenying, based on determining that the token is not mapped to the secondresource distribution instrument, a second interaction.

In a tenth embodiment alone or in combination with any of the firstthrough ninth embodiments, the process flow 200 may include, afterinitiating the interaction, receiving input initiating a resourcedistribution from a source retainer associated with the second resourcedistribution instrument and performing the resource distribution fromthe source retainer associated with the second resource distributioninstrument.

In an eleventh embodiment alone or in combination with any of the firstthrough tenth embodiments, the process flow 200 may include, whenperforming the resource distribution, providing, to a user associatedwith the user device, cash.

Although FIG. 2 shows example blocks of process flow 200, in someembodiments, process flow 200 may include additional blocks, fewerblocks, different blocks, or differently arranged blocks than thosedepicted in FIG. 2. Additionally, or alternatively, two or more of theblocks of process flow 200 may be performed in parallel.

As will be appreciated by one of ordinary skill in the art in view ofthis disclosure, the present invention may include and/or be embodied asan apparatus (including, for example, a system, machine, device,computer program product, and/or the like), as a method (including, forexample, a business method, computer-implemented process, and/or thelike), or as any combination of the foregoing. Accordingly, embodimentsof the present invention may take the form of an entirely businessmethod embodiment, an entirely software embodiment (including firmware,resident software, micro-code, stored procedures in a database, or thelike), an entirely hardware embodiment, or an embodiment combiningbusiness method, software, and hardware aspects that may generally bereferred to herein as a “system.” Furthermore, embodiments of thepresent invention may take the form of a computer program product thatincludes a computer-readable storage medium having one or morecomputer-executable program code portions stored therein. As usedherein, a processor, which may include one or more processors, may be“configured to” perform a certain function in a variety of ways,including, for example, by having one or more general-purpose circuitsperform the function by executing one or more computer-executableprogram code portions embodied in a computer-readable medium, and/or byhaving one or more application-specific circuits perform the function.

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, electromagnetic, infrared, and/orsemiconductor system, device, and/or other apparatus. For example, insome embodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as, forexample, a propagation signal including computer-executable program codeportions embodied therein.

One or more computer-executable program code portions for carrying outoperations of the present invention may include object-oriented,scripted, and/or unscripted programming languages, such as, for example,Java, Perl, Smalltalk, C++, SAS, SQL, Python, Objective C, JavaScript,and/or the like. In some embodiments, the one or morecomputer-executable program code portions for carrying out operations ofembodiments of the present invention are written in conventionalprocedural programming languages, such as the “C” programming languagesand/or similar programming languages. The computer program code mayalternatively or additionally be written in one or more multi-paradigmprogramming languages, such as, for example, F#.

Some embodiments of the present invention are described herein withreference to flowchart illustrations and/or block diagrams of apparatusand/or methods. It will be understood that each block included in theflowchart illustrations and/or block diagrams, and/or combinations ofblocks included in the flowchart illustrations and/or block diagrams,may be implemented by one or more computer-executable program codeportions. These one or more computer-executable program code portionsmay be provided to a processor of a general purpose computer, specialpurpose computer, and/or some other programmable data processingapparatus in order to produce a particular machine, such that the one ormore computer-executable program code portions, which execute via theprocessor of the computer and/or other programmable data processingapparatus, create mechanisms for implementing the steps and/or functionsrepresented by the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may be storedin a transitory and/or non-transitory computer-readable medium (e.g. amemory) that may direct, instruct, and/or cause a computer and/or otherprogrammable data processing apparatus to function in a particularmanner, such that the computer-executable program code portions storedin the computer-readable medium produce an article of manufactureincluding instruction mechanisms which implement the steps and/orfunctions specified in the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with, and/or replaced with,operator- and/or human-implemented steps in order to carry out anembodiment of the present invention.

Although many embodiments of the present invention have just beendescribed above, the present invention may be embodied in many differentforms and should not be construed as limited to the embodiments setforth herein; rather, these embodiments are provided so that thisdisclosure will satisfy applicable legal requirements. Also, it will beunderstood that, where possible, any of the advantages, features,functions, devices, and/or operational aspects of any of the embodimentsof the present invention described and/or contemplated herein may beincluded in any of the other embodiments of the present inventiondescribed and/or contemplated herein, and/or vice versa. In addition,where possible, any terms expressed in the singular form herein aremeant to also include the plural form and/or vice versa, unlessexplicitly stated otherwise. Accordingly, the terms “a” and/or “an”shall mean “one or more,” even though the phrase “one or more” is alsoused herein. Like numbers refer to like elements throughout.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of and not restrictive on the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations, modifications, andcombinations of the just described embodiments may be configured withoutdeparting from the scope and spirit of the invention. Therefore, it isto be understood that, within the scope of the appended claims, theinvention may be practiced other than as specifically described herein.

What is claimed is:
 1. A system for initiating resource distributions,the system comprising: at least one non-transitory storage device; andat least one processing device coupled to the at least onenon-transitory storage device, wherein the at least one processingdevice is configured to: receive instructions to link a token associatedwith a first resource distribution instrument to a second resourcedistribution instrument, wherein the first resource distributioninstrument and the second resource distribution instrument areassociated with different types of source retainers; map, based onreceiving the instructions, the token to the second resourcedistribution instrument; receive signals from a user device comprisinginformation identifying the token; determine, based on receiving thesignals, whether the token is mapped to the second resource distributioninstrument; and initiate, based on determining that the token is mappedto the second resource distribution instrument, an interactionassociated with the second resource distribution instrument.
 2. Thesystem of claim 1, wherein the at least one processing device is furtherconfigured to, when receiving the instructions to link the tokenassociated with the first resource distribution instrument to the secondresource distribution instrument, receive the instructions from anapplication running on the user device.
 3. The system of claim 1,wherein the first resource distribution instrument is a credit card, andwherein the second resource distribution instrument is a debit card. 4.The system of claim 1, wherein the token is stored in a digital walletof the user device.
 5. The system of claim 1, wherein the at least oneprocessing device is further configured to: receive signals comprisingdynamic information associated with the first resource distributioninstrument; determine whether the dynamic information is valid; and wheninitiating the interaction associated with the second resourcedistribution instrument, initiate the interaction associated with thesecond resource distribution instrument based on determining that thedynamic information is valid.
 6. The system of claim 1, wherein the atleast one processing device is further configured to, when initiatingthe interaction associated with the second resource distributioninstrument, prompt a user associated with the user device to enterauthentication credentials.
 7. The system of claim 1, wherein the atleast one processing device is further configured to: receive thesignals from the user device at an automated teller machine; andinitiate the interaction at the automated teller machine.
 8. The systemof claim 1, wherein the at least one processing device is furtherconfigured to, when receiving the signals from the user device,wirelessly receive the signals from the user device.
 9. The system ofclaim 1, wherein the instructions are first instructions, and whereinthe at least one processing device is further configured to: receivesecond instructions to unlink the token from the second resourcedistribution instrument; and remove, based on receiving the secondinstructions, the mapping of the token to the second resourcedistribution instrument.
 10. The system of claim 9, wherein the signalsare first signals, wherein the interaction is a first interaction, andwherein the at least one processing device is further configured to:receive second signals comprising information identifying the token;determine, based on receiving the second signals, whether the token ismapped to the second resource distribution instrument; and deny, basedon determining that the token is not mapped to the second resourcedistribution instrument, a second interaction.
 11. The system of claim1, wherein the at least one processing device is further configured to,after initiating the interaction: receive input initiating a resourcedistribution from a source retainer associated with the second resourcedistribution instrument; and perform the resource distribution from thesource retainer associated with the second resource distributioninstrument.
 12. The system of claim 11, wherein the at least oneprocessing device is further configured to, when performing the resourcedistribution, provide, to a user associated with the user device, cash.13. A computer program product for initiating resource distributions,the computer program product comprising a non-transitorycomputer-readable medium comprising code causing a first apparatus to:receive instructions to link a token associated with a first resourcedistribution instrument to a second resource distribution instrument,wherein the first resource distribution instrument and the secondresource distribution instrument are associated with different types ofsource retainers; map, based on receiving the instructions, the token tothe second resource distribution instrument; receive signals from a userdevice comprising information identifying the token; determine, based onreceiving the signals, whether the token is mapped to the secondresource distribution instrument; and initiate, based on determiningthat the token is mapped to the second resource distribution instrument,an interaction associated with the second resource distributioninstrument.
 14. The computer program product of claim 13, wherein thenon-transitory computer-readable medium comprises code causing the firstapparatus to, when receiving the instructions to link the tokenassociated with the first resource distribution instrument to the secondresource distribution instrument, receive the instructions from anapplication running on the user device.
 15. The computer program productof claim 13, wherein the first resource distribution instrument is acredit card, and wherein the second resource distribution instrument isa debit card.
 16. The computer program product of claim 13, wherein thetoken is stored in a digital wallet of the user device.
 17. The computerprogram product of claim 13, wherein the non-transitorycomputer-readable medium comprises code causing the first apparatus to:receive signals comprising dynamic information associated with the firstresource distribution instrument; determine whether the dynamicinformation is valid; and when initiating the interaction associatedwith the second resource distribution instrument, initiate theinteraction associated with the second resource distribution instrumentbased on determining that the dynamic information is valid.
 18. Thecomputer program product of claim 13, wherein the non-transitorycomputer-readable medium comprises code causing the first apparatus to,when initiating the interaction associated with the second resourcedistribution instrument, prompt a user associated with the user deviceto enter authentication credentials.
 19. The computer program product ofclaim 13, wherein the non-transitory computer-readable medium comprisescode causing the first apparatus to: receive the signals from the userdevice at an automated teller machine; and initiate the interaction atthe automated teller machine.
 20. A method for initiating resourcedistributions, the method comprising: receiving instructions to link atoken associated with a first resource distribution instrument to asecond resource distribution instrument, wherein the first resourcedistribution instrument and the second resource distribution instrumentare associated with different types of source retainers; mapping, basedon receiving the instructions, the token to the second resourcedistribution instrument; receiving signals from a user device comprisinginformation identifying the token; determining, based on receiving thesignals, whether the token is mapped to the second resource distributioninstrument; and initiating, based on determining that the token ismapped to the second resource distribution instrument, an interactionassociated with the second resource distribution instrument.